The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$61,945
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,872
−HK$1,958/mo
Today · 4.125%
HK$65,830
baseline
▲ 0.50% · 4.625%
HK$69,836
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,660/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,914
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,762
−HK$1,875/mo
Today · 4.125%
HK$72,637
baseline
▲ 0.50% · 4.625%
HK$76,466
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,274/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,334
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,647
−HK$2,349/mo
Today · 4.125%
HK$78,996
baseline
▲ 0.50% · 4.625%
HK$83,803
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,992/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,696
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,914
−HK$2,250/mo
Today · 4.125%
HK$87,164
baseline
▲ 0.50% · 4.625%
HK$91,759
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,328/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,724
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,421
−HK$2,741/mo
Today · 4.125%
HK$92,162
baseline
▲ 0.50% · 4.625%
HK$97,770
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,324/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,479
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,067
−HK$2,625/mo
Today · 4.125%
HK$101,692
baseline
▲ 0.50% · 4.625%
HK$107,052
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,384/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,502
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,970
−HK$3,524/mo
Today · 4.125%
HK$118,494
baseline
▲ 0.50% · 4.625%
HK$125,704
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,988/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,045
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,371
−HK$3,375/mo
Today · 4.125%
HK$130,746
baseline
▲ 0.50% · 4.625%
HK$137,638
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,492/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,555 · Scale 2, in force from 26 Feb 2026)